When arranging your public liability insurance you will need to accurately describe the details of the main tasks you carry out each day and any other activities which you may undertake in the course of your occupation. You may find that some occupations will result in a higher premium than overs, for example it may cost you more to insure yourself as a roofer than as an accountant.
Public liability insurance quote
|Another factor which can have a significant difference on your premium is the indemnity limit you require, for example the higher the indemnity limit required the higher you would expect the premium to be on your public liability insurance. Generally the lowest indemnity limit available is £1,000,000 which is to provide cover for any injury or property damage you cause during the course of your occupation.|
An example of when you may need to make a claim on your public liability insurance would be if you were a roofer and whilst working you accidently dropped a tool which hit a member of the public and caused an injury to them. Another example would be if you were a decorator and whilst carrying your equipment into a customers property you accidently knocked over an expensive item such as a vase which would be considered property damage and the customer may hold you liable for the cost or repairing or replacing the item.